Comparison

Finom vs GoDutch Smart Business Account

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Finom

Manage your business finances in one place. Open a banking account, connect existing ones, and handle invoices and payments. Features include sub-accounts, team management, and transaction reconciliation.

Highlights
  • Open banking account in 5 minutes
  • Connect and manage multiple bank accounts
  • SEPA and Direct Debit payments
  • Create and manage sub-accounts (wallets)
  • Issue physical and virtual cards
  • Reconcile transactions with invoices
  • Team management with permissions
Features
Read full description

Finom is a financial service where you can open a banking account, connect your other banks and manage your invoices. Isn't that cool? Now you can do all these things in one place, and we're working hard to bring new features as fast as possible. Here are just a few things that you'll find inside Finom app: - Open a banking account in 5 minutes; - Connect your other banks and manage them in one place; - Make a SEPA or Direct Debit payments; - Receive money from the whole of Europe; - Create sub-accounts (we call them wallets) and manage your cash flow. All of them have their own IBAN so you can use each of them for different needs; - Issue a physical or a virtual card for yourself or your employees. You can easily manage cards and set up the limits; - Cover (we call it reconciliation) all your transactions with invoices or recipes. Your accountant will tell you big thanks for that; - Invite your employees and easily manage permissions for the whole team; - Connect your accountant and let them do their job; - Use smart filtering and searching of your transactions; - Tag your transactions and invoices to keep everything in order; - Contactless payments with Apple Pay; Feel free to contact us in the chat inside the app or write a message to hello@finom.co. Finom Payments BV (Finom) is a licensed electronic money institution authorized by the Dutch Central Bank, De Nederlandsche Bank (DNB) under the relations number R180074.

About

GoDutch Smart Business Account

This all-in-one business account streamlines financial operations for SMEs. It automates administrative tasks, enhances expense management, and provides real-time insights. Users can quickly onboard, manage expenses, process invoices, and collaborate with teams.

Highlights
  • Quick IBAN and virtual card onboarding
  • Automated administrative tasks
  • Expense tracking with receipt scanning
  • Smart invoice processing
  • Team collaboration with roles
  • Accounting software integrations
  • Global payments in multiple currencies
Features
Read full description

GoDutch is the all-in-one business account designed for small and medium-sized enterprises. Streamline your financial operations with a suite of tools that automate administrative tasks, enhance expense management, and provide real-time insights, all within a single app. We welcome users from the entire European Economic Area (EEA). We can onboard companies (BV, NV), freelancers (ZZP), Associations, Foundations, and Cooperations. Time is money. With GoDutch you save on both. Our key features: QUICK ONBOARDING Obtain a local IBAN and virtual cards within 3 hours. AUTOMATE ADMIN Automate your admin and reduce time spend up to 70% for you, your bookkeeper or controller. EXPENSE MANAGEMENT Expense tracking with receipt scanning and real-time monitoring, with custom cards you and your team. SMART BILL PAY Process incoming invoices automatically, just forward them to your mailbox and payment will be prepared. INVOICING Create, send, and manage invoices effortlessly, including recurring billing and payment links. TEAM COLLABORATION Assign roles and permissions to team members, accountants, and financial controllers. INTEGRATIONS Seamlessly connect with all common accounting and ERP software like Exact, Snelstart, Twinfield, and many more. GLOBAL PAYMENTS Send and receive payments in over 150 countries in 20+ currencies with competitive exchange rates. CASHBACK REWARDS Earn uncapped cashback and share in GoDutch’s revenue. SUSTAINABILITY Operate a climate-positive account with options to offset your company’s carbon footprint. Join thousands of businesses that trust GoDutch to simplify their financial management. Experience the future of business banking today.

Screenshots

Finom4 screens
GoDutch Smart Business Account4 screens

Verdict

The call

The clearest difference is rating: GoDutch Smart Business Account at 5.0 against Finom's 4.7. GoDutch Smart Business Account also leads on review sentiment (100% vs 84%) and monetization model (free vs ad-supported). Finom's advantage is ratings volume (48 vs 1). On price, update cadence, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

GoDutch Smart Business Account holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: Finom has 48 ratings behind it against 1, so its average is the more settled of the two. Written reviews point the same way: 84% of Finom's written reviews are positive against 100% of GoDutch Smart Business Account's.

UpkeepUpdate frequency

Finom ships an update weekly, GoDutch Smart Business Account every 10 days. The most recent releases landed on September 24, 2026 and September 10, 2026 respectively.

Scorecard4 real differences · 6 level
Finom versus GoDutch Smart Business Account: the parameters behind the verdict, then further details
ParameterFinomGoDutch Smart Business Account
PriceFreeFree
Rating4.7 (48 ratings)5.0 (1 ratings) — better
Positive reviews83.7% of reviews100.0% of reviews — better
Number of ratings48 — better1
Update frequencyWeekly — betterEvery 10 days
AdsNoNo
In-app purchasesNoNo
MonetizationAd-supportedFree — better
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.0 — better15.1
Further details — not scored
Size241 MB50 MB
Age rating4+4+
DeveloperFinomGoDutch B.V.

Customer experience

Finom

All ratings48 ratings
Positive93.8%
Neutral0.0%
Negative6.3%
Written reviews49 reviews
Positive83.7%
Neutral4.1%
Negative12.2%

GoDutch Smart Business Account

All ratings1 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews3 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Finom

No in-app purchases

None

GoDutch Smart Business Account

No in-app purchases

Questions

Is Finom free?
Finom is free to download, with no in-app purchases.
Is GoDutch Smart Business Account free?
GoDutch Smart Business Account is free to download, with no in-app purchases.
Which has better reviews, Finom or GoDutch Smart Business Account?
GoDutch Smart Business Account is rated higher. Finom averages 4.7 out of 5 from 48 ratings, while GoDutch Smart Business Account averages 5.0 from 1 ratings.
Do Finom or GoDutch Smart Business Account have ads?
Neither Finom nor GoDutch Smart Business Account shows ads.
Which is updated more often, Finom or GoDutch Smart Business Account?
Finom ships an update weekly, and GoDutch Smart Business Account every 10 days. Most recently, Finom was updated on September 24, 2026 and GoDutch Smart Business Account on September 10, 2026.

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